Redirect Deposits: Fill & Download for Free

Lake Chad is due for some refilling. Throughout recorded history the water line has been dropping inches per year, leaving a sandy basin in it’s place. Given any chance I would say we need to broker some deals with Sudan to divert 10% of the Nile River stream toward the Lake Chad basin. Then we would get in with Nigeria, and try to score some major points. I plan to build a series of desalination plants to feed fresh water to a pipeline to pump water inland to Chad from the coast.Contextual references indicate a historical reference to redirecting the Nile River near Al-Dabbah Sudan approx. 2200 BCE.Over the last 50 years Lake Chad has lost 80% of it’s surface area. This is already down from a historical high line covering much of the basin. Historical Evidence indicates the Egyptians may have redirected the Nile River sometime around 2200 BCE. This in turn has set off a series of climatic shifts in North Africa. With the loss of a major inflow it would be impossible to maintain a high water level.Salt deposits indicate that this inland sea shifted between Saline and fresh numerous times over the last 140,000 years.

There is a provision to the customer of India post that he /she can give a letter to the postmaster of his area to redirect all the postal articles received to his/her present address to his/her new address. This redirection instruction will be valid for 3 months.Sometimes you may be out of station for few days. In such cases you can ask the area postmaster to keep the articles in deposit up to —- date

Haha so many A2As on this. I personally feel the best answer you would get if you spend a day at any of the branches, but then in this age of digitisation we don't want unnecessary footfall.I can't answer this question because I don't believe in what is being asked here. I believe SBI does have an appropriate face for every kind of customer. Be it small farmers, retail customers, MSE customers, or the large corp customers.I would like to share some personal incidents from my own pre and post working life. Designing fancy policies like DBT, JDY, MUDRA are much easier as its just renaming of already existing concepts and Indianisation of western policies. The hardest part is the implementation. People don't like changes whether for good/bad, they resist.During ealry 2000s, My father was forced to opt for ATM by a SBI BM, my father didn't like it a bit. He cursed about the chances of misplacing the ATM card/pin, fear of someone else taking out that hard earned money. But now he or any of us cannot think of life without ATMs (of course I m still waiting for the perfect digital age). Do you think it was easy to handle my angry 5′10″ well built father, or your father? Or us? But this just an example where “SBI" ‘forces’ people to change, change for better, but as the nature is, people take offence and spread negativity.In 2012, I needed a credit card for appearing in an exam (some 1000$ of my father went to drains). But I didn't have any, I went to nearby ICICI, they asked for a FD of a lac and then 80% of credit limit. I was fine with it. But they added one more condition - I need to open and maintain a savings bank account with 10 k deposit. I didn't want to open a savings account but those guys didn't agree on just the FD. I went to a PSB, big office in Kolkata’s one of the most posh areas, but when they heard 'credit card’, they asked me to visit SBI. I was ready to deposit a lakh but still was directed to SBI. Whereas in SBI it was taken care of instantly, though the crowd was huge but then my needs were taken care of in a matter of an hour and got the credit card in a week. Moral : If slightly complex but propfitable businesses are being redirected towards SBI, then you can just imagine what is happening in the case of non profitable business e.g zero balance tiny accounts.In 2013, I joined SBI as Probationary Officer, I was posted in a branch some 1.5 hrs from my place, hopped 2–3 transport mediums to reach. I was accompanied by my father. It was a double storeyed, chest currency branch. I was attached with Personal Banking Manager, and worked with all the “will change the face" attitude. I was made incharge of looking after the account openings in a week. Then again Modi govt's contemporary in Bengal, decided to launch some random scheme for girls (0–21 I guess). As a result I was the much sought after person in the whole branch or you can say in the whole town (“Chowdhury Saheb" :D ). Instead of work it was more of a mob controlling job, where people queued up from 4 am in the morning, not for a day or two, it continued for as long as I was there (3 months). I enjoyed my work, all the attention (a 23 yr old guy most sought after by girls and their parents, kidding!) but sometimes felt overwhelmed. Now no matter how much I smile, how much efficient I become, no way in hell it's possible that all the people who visited will be happy. Realised that other banks both private and PSBs were also redirecting the prospective customers to SBI as they saw it more as a cost with no value. Remeber my credit card incident.Well there are many incidents like JDY, note-bandi etc. Similar things happened when govt launched MUDRA loans. Looking at the credit risks involved, the fear of loan turning bad, accountability etc, same thing happened. And again as always SBI comes into action. I faced two life threats as well during one of my stints for not granting bogus loan.Now if you consider corporates also. Here also what I have observed is SBI takes the majority of the credit risk, helps the industry to grow, helps the nation to grow. And what does foreign banks do? They try to milk the risk free businesses like treasury, bill discountings etc. What does your favourite private banks do? They lend home loans to retail customers having jobs while conveniently missing on the riskier as well as non profitable parts. You might say they are their for profit making, but so is SBI but at the same time SBI also has to cater to many other things.Sorry for the unnecessary long post but I would request you to sometime step in our shoes as well, while we leave our families 1000 kms away and serve you in the remotest places on earth. Where nowadays life without wi-fi must be harsh for you, I have been posted to places where after 6 pm loadshedding for 3–4 hrs, and then whole night very low voltage was part of daily routine.